Talking about DUMPS, What is it?

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Dumps are used by carders to cloning the real cards and used the clone as the genuine. So,those clones are duplication of the real cards and can be used like the real card. How is this possible?The answer is dump!

For new carders, you may always wonder and ask this question: What is DUMPS?.And here is the answer: Dumps are bank data connected to a bank account and encoded in the magnetic strip of the bank cards. So each card is attached to a bank account. The card is a terminal which allows the account owner to access the his account fund without necessity to walk in bank. Cards can be used for ATM or POS system, these  are also bank terminals. So if someone get access to the information stored in the magnetic strip of your card then he will has full access to your account and the money saved in it.

At this moment you probably think how can someone steal your card information (dump)  but I can tell you that this as not difficult to do. Dumps are obtain by skimming, sniffing or hacking. So each and every time you pay with the card you may assume the risk that your card data was stolen.

Bank dumps have usual 3 tracks ,but if any of the 3 tracks is correct and in the account are sufficient funds then the card is good to be used and the requested transaction should be approved.

Track 1 is the only track of the card which contain the holder name. Carder use to change the name from the track to match with the fake ID’s they have or with the name embossed on the plastic. This track is written with code known as odd parity or DEC SIXBIT. Track 1 format is usually as follows:

B5466160081187237^SHORT/JAMES D ^140910100000023001000000415000000

  • START SENTINEL=is 1 character,usual %
  • FORMAT CODE= a single character,financial cards format code is B
  • PRIMARY ACCOUNT NUMBER (PAN) =usual is the card number,but not always
  • FIELD SEPARATOR =financial cards use a single symbol for it which is ^
  • NAME OF CARD HOLDER=contain 2 until 26 characters
  • FIELD SEPARATOR= symbol for it  is ^
  • EXPIRE DATE =in format YYMM (year,month)
  • SERVICE CODE=three characters
  • DISCRETIONARY DATA=which may contain PIN VERIFICATION KEY  (it is not the ATM PIN),card verification value ,CVV
  • END SENTINEL=is 1 character,usual ? 

 

Track 2 it is the track developed by the banking industry and it is most important track of a dump. Almost all dumps will work if this track 2 is correct. It is written with a 5 bit-scheme,4 data bits and 1 parity. This track data format is

  • START SENTINEL=is usual 1 character ;
  • PRIMARY ACCOUNT NUMBER (PAN)=usual the card number
  • SEPARATOR=usual symbol = is used
  • EXPIRE DATE=in YYMM format
  • SERVICE CODE=a three digits code
  • DISCRETIONARY DATA=which may contain PIN VERIFICATION KEY  (it is not the ATM PIN),card verification value ,CVV
  • END SENTINEL= usual the symbol ?

 

Track 3 is virtually unused by the major world wide networks. It was developed by Thrift Saving Industry. Point Of Sales (POS) will not read  this track.

 

SERVICE CODE

The card service code is a 3 digits code present in both track 1 and track 2.Each of the 3 digits o f the code has a meaning and read it together the service code let us know where and how the card can be used

If the first digit is

  • 1-card is for international use
  • 2-card is for international use but has chip
  • 5-card is for national use
  • 6-card is for national use but has chip
  • 7-card is not good for interchange except for bilateral agreements
  • 9-test card

 

If the second digit is

  • 0-card is normal,without restriction
  • 2-issuer must be contacted via online means
  • 4-issuer must be contacted via online means except under bilateral agreements

If the last digit is

  • 0-no restriction but PIN is required
  • 1-no restrictions
  • 2-card can be used for goods and services payment but not for cash
  • 3-ATM use only,PIN is required
  • 4-cash only
  • 5-card can be used for goods and services payment but not for cash  but PIN is required
  • 6-no restrictions,PIN should be used where is feasible
  • 7-card can be used for goods and services payment but not for cash  but PIN should be used where is feasible

So,your card magnetic strip or/and chip contain all the information to access and operate your bank account. If someone copied your card magnetic strip, that person can use an machine called msr ,magnetic strip reader-writer and write the data from your card in an other card and use the clone as the genuine card.

If you think that is hard to copy the magnetic strip to a card, you must know that a simple swipe to a mini msr or the swipe of card in a compromised POS is all the cards need to get the data from your card and so the access to you account. So you should always pay attention when you make a payment with the card.

These are the general information about dumps guys. Stay safe and good luck

 

Credit: Carding ProSchool

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